Subject: File No. S7-26-04
From: Steven A Thomas

July 14, 2004

While the basic nature of this proposed rule would not directly affect our bank as we do not sell securities, I think it might be wise to reconsider the title, Regulation B. Banks already deal with a Regulation B under the Equal Credit Opportunity Act ,aka ECOA, and as I read the proposal this Regulation B has nothing to do with ECOA. This may lead to some confusion.
Thank You